[TowerTalk] insurance

[Alan C. Zack]

Is the Insurance company policies offering the ARRL policies 
considered a Homeowners policy?  Seems it is more specialized as to 
ham radio gear INCLUDING towers and antennas.  Reason I ask is the 
company offering the ARRL coverage also is the company that I use for 
my TRICARE military health insurance supplement.

Jim Jarvis wrote:

> In response to the thread about towers being covered....
> 
> The "standard"  HO-3 form policy covers accessory structures.
> These are typically thought to be garages and sheds, but 
> include any accessory structure which required a building permit.
> Thus, 'attachment' is not required.  
> 
> It has been reported (QST, among others) that some firms are
> specifically EXCLUDING antennas and towers.  
> 
> It is true that insurance is regulated at the state level, and
> state-to-state differences are to be expected.   However, the
> HO3 form was common to NJ, VT and MD, where I've lived, and most
> agents and firms nationwide will acknowledge it, and quote it.
> 
> This is contract law, however, and you MUST read the fine print,
> to know whether you're ok or not.
> 
> BUT THIS IS A DIGRESSION FROM MY MAIN POINTS:
> 
> 1)  You may find your insurance less expensive, if the ARRL policy
> covers the antennas, and you can exclude them from your homeowners.
> 
> 2)  You MUST be careful what you claim.  I have a client in VA, who had 
> two successive claims for hail damage two years ago.  Travellers paid,
> then cancelled his insurance.  
> 
> n2ea
> jimjarvis at ieee.org 


-- 
__________________________________________________________________________ 

Alan Zack
Amateur Radio Station K7ACZ
Las Vegas, Nevada, USA
Quality Engineer, The Boeing Company, Retired
Aviation Chief Warrant Officer, U.S. Coast Guard, Retired
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